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Mortgage and Lending - Guaranteed Rate Mortgage - NMLS #386349
RECENT BLOG POSTS
Freddie Mac Offers One Year Tolerance for Unemployment Freddie Mac has announced that they will now provide one year of forbearance for unemployed borrowers to pay their mortgage payments. Prior, lenders were only allowed to grant out-of-luck borrowers three months. Part of this new deal allows l...
01/10/2012
Three Reasons Why You Should Purchase a Home in 2012 With all the news about record-low rates recently, you may be contemplating if now is the time to plunge into home ownership. But maybe you’re a bit hesitant about entering the housing market with all this uncertainty about when home prices wil...
01/09/2012
Conforming Market Price Set to Worsen For All Investors On December 23rd, President Obama signed the Temporary Payroll Tax Cut Continuation Act of 2011. This new law directs the Federal Housing Finance Agency (FHFA) to increase guarantee fees charged by Fannie Mae and Freddie Mac by no less than ...
01/07/2012
Five Realtor Secrets Home Buyers Should Know When preparing to purchase a home, whether you’re a first time home buyer or looking for an investment home, it pays to do your homework before house hunting. But where do you start? Do as the experts do! Here are some insider tips Real Estate Agents f...
01/05/2012
New Year Starts Off Volatile 2012 is off to a volatile start, with very little origination out of mortgage lenders and the usual Fed buying. MBS is over 10bps tighter to Treasury bonds and we saw the effect of that this morning as front-month Fannie 3.5s were trading just above 103. As originatio...
01/04/2012
What is a FHA Mortgage? A FHA mortgage is a home loan that requires a small down payment. The Federal Housing Administration (FHA) runs several programs that make it easier for home buyers to qualify for a mortgage loan. The FHA does this by promising the lender to pay for the mortgage if the bor...
01/04/2012
90 Day Flipping Waiver Extended Last month we notified you that the 90 Day Flipping Waiver was set to expire at the end of 2011. However, late last week, it was announced that the waiver was to be extended until December 31, 2012 unless otherwise extended or withdrawn by the FHA. All other terms ...
01/04/2012
Do You Have What It Takes To Get The Loan? When looking to get pre-approved for a loan, there are many factors to consider so you get the lowest interest rate possible for your mortgage. Here are the minimums you should consider when applying for a mortgage: The minimum down payment most lenders ...
12/23/2011
‘HARP 2.0’ Implementation Continues As we near the end of 2011, the holidays can normally drive slightly higher mortgage rates as investor demand pulls back. Rates, however, have remained aggressive as ever as the balance of supply of mortgage applications versus investor demand has remained stea...
12/23/2011
Relocating in 2012? Tips to Make It Easy Maybe you got the job of your dreams, or maybe you’re just looking for something new, but either way, you’re suddenly faced with the daunting task of picking up your life and relocating it to a new state. How do you know which areas are family friendly in ...
12/23/2011
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Chad Ronning

Conventional, FHA, VA, USDA
smartphone(612) 250-1544
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My goal is to articulate my opinions on mortgage and real estate related news and reports.